​Bright Penny Community™ portfolios

Bright Penny Community™ portfolios are intended to fulfill your investing goals and objectives, via a direct, simple and cost-effective profile for independent investors, while raising funds for community projects. At a minimum, 25% of our own fees for the management of the portfolios will be disbursed to community and non-profit organizations as underwriting of their activities and events, with the intention that even more can be done.

To put our money where our mouth is, our own retirement accounts are managed as Community portfolios. We admit that these portfolios may not be the choice for all our clients, who may prefer a more traditional approach. Nevertheless, with a direct, simple and cost-effective profile, the Community portfolios are designed from the ground up to provide clients with an optimum solution for their investing needs.

Bright Penny Community™ portfolios are managed baskets of common stocks and exchange-traded funds, which you may purchase and rebalance on a periodic basis. Leveraging this innovative platform, you can directly own a professionally managed portfolio of investments dialed in to fit your needs.

You would own publicly traded securities directly, with the custodian working on your behalf. This is not something with complex, multiple layers of indirect ownership.

Costs are reduced via electronic reporting and portfolio modeling, and the fee is capped at 1% of assets annually, which includes our management of the Bright Penny Community™ portfolios. The minimum account size to begin is as little as $250.

With our investment strategies and an analysis of your financial situation, together in conversation we create your portfolio, investing in a weighted mix of one or more of the strategies to fit your unique needs.

You control the timing of when you trade and rebalance your portfolio, at a click of a button. An email will notify you when our recommended portfolio weightings have changed.

You would also have the ability to add additional portfolio sleeves within the account, again, at a click of a button. It is some comfort that the portfolio sleeves are diversified, up to 30 securities in each sleeve.

Your account would be opened with Motif Investing, a brokerage firm which clears through Pershing, one of the industry's leading firms with a strong track record in handling the needs of online brokerages as well as a SIPC-insured brokerage firm. We have signed limited power of attorney agreements to allow us to rebalance the Community portfolios. And unless you specifically authorize distributions, your assets will always remain under your custodian's safekeeping.

Which portfolio is right to get started with? Contact us to learn more:

Community Preservation Income, for low tax bracket, tax-deferred and tax-exempt accounts, prioritizes income over capital growth. Preservation is primarily an income vehicle, with a measured common stock allocation to preserve purchasing power. In order to maximize returns for tax-deferred and exempt accounts, municipal bond funds appropriate to taxable portfolios will typically not be held. While Preservation is intended to offer the lowest risks, it is nevertheless subject to the performance of the individual securities selected and to broad market appreciation and decline (with interest rate shifts a notable risk factor).

Community Preservation Income (tax-efficient), for taxable accounts, prioritizes income over capital growth, same as described above. Preservation (tax-efficient) is primarily an income vehicle, with a measured common stock allocation to preserve purchasing power. In order to maximize returns on an after-tax basis, municipal bond funds appropriate to taxable portfolios will typically be held.

Community Conservation Growth & Income is designed to balance growth and income objectives.Conservation tempers the potential for capital appreciation, primarily by investing in stocks, with income received via dividends and interest. While it is intended to offer a moderate risk approach, its value can be expected to fluctuate subject to broad market appreciation and decline as well as the performance of the individual securities selected.

Community Values Growth & Income is similar to Conservation in its balanced risk approach but screened to exclude certain securities, including those in the natural resource extraction industry.

Community Venture Growth is designed for superior growth over a long-term horizon and is appropriate for investors who can better withstand inevitable, sharper and sustained declines in asset value. Venture seeks to achieve a superior rate of total return, by investing more so in the stocks of small and mid-sized companies, with current income a secondary priority. While it is intended to provide higher returns over time, its risk of volatility can also be expected to be higher. Venture offers the potential for above-average risks and rewards, but it is also the most subject to broad market appreciation and decline as well as the performance of the individual securities selected.